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oning in. the only thing you consume more of is healthcare because are in the stress, look at the numbers, that goes up. so the costs are significant, both the families, and i'd argue to society, and obviously the communities in which these people live. foreclosures cost both hard dollars and soft dollars. there are property tax issues, and the consequences felt by all of us. >> mr. miller, do you have anything to add to that? in particular, road blocks to solutions. >> i don't know whether we have hit bottom or not. one of the rules of economic, if something cannot go on foreign, it will stop, and some of the force pushing down the housing market can't go on forever. we have had -- new households have not been forming, so people are continuing to live we three or four roommates or live in their parents' basement or whatever. that can't go on forever or we'll have some very unhappy families. we already do. we're going to have to replace the housing stock at some point. there are some parts of this that can't go on forever. but there is still a lot of very -- a lot of family
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